Basic Account HolderDo you record your calls?You'll regret it if you don't.

Cagger since : May 2018

Posts

52

Irresponsible Lending Claim due to 7 PDL company loans over gambling

Hello all, really hoping for some advice on my story, will try keep it short as much as possible!

i am going to be brutally honest i developed a gambling addiction about 6 years ago, what started out as fun soon became addictive.

one loan turned into another and then payday loans started which were so easy to get ( i know there is responsibility on my side but if you have never been inside a gamblers mind it doesnt work the same way as a normal person when it comes to finding the next " loan " )

i am now taking steps to recover from this as all my family knows
in the meantime i wonder if i can claim for irresponsible lending against the below firms due to the fact i had several defaults on my file,

one as recent as 2018 and multiple accounts showing in arrears/defaulted from 5 years ago, multiple search history on my file which shows how desperate i was to get credit all showing at the time they credit checked me when i applied for a loan with them

i would like to state that Peachy havent done a credit check, spoke to them this morning and they say they do credit checks, i checked my file on noddle for the 19th and there is no footprint from them on that date under Peachy or cash on go ltd (funny enough in my accounts its registered i have an active loan with them)

with all the defaults and accounts in arrears and my credit rating being 1 out of 5 (its at the lowest end of available credit score) surely all this should have alarmed them to consider not giving me the loan and it should have showed i couldnt afford to repay anything.

how can they call themselves responsible lenders? surely the defaults themselves should have caused them to say " this person cant pay loans back that are over 5 years old "

any thoughts how i should progress with this?

i have sent email off to them all lodging a complaint not using any templates as i wanted to write it myself as i dont feel a template really fitted the point im trying to get across to them.

Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

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Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

letters not email - 1st class
get free proof of posting from the PO counter too if you can

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Basic Account HolderDo you record your calls?You'll regret it if you don't.

Cagger since : May 2018

Posts

52

Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

right attached

well the creditor is Mr Lender, i filed an irresponsible lending claim because of my gambling addiction and the fact i had several defaults on my file at the time i applied and lots of accounts on file already in arrears.

one thing i find interesting is that they have lied about what i put down for " other outgoings " i would never put a random number in like £168 i always round things to the nearest £10 or 100 or whatever so i dont know where they got £168 from, the only thing they asked to verify with me at the time was payslips

they say my credit score was 549 at the time of loan, on noddle its 1 out of 5 447 score and thats rated very poor so if it was 549 it still would be poor.

They say they responsibly lent and checked my credit file even though its littered with defaults from accounts that have not been paid.

im wondering whether to accept this offer or take it further? hold out to see if a month or so down the line they will keep reducing the balance

Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

always push further

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Basic Account HolderDo you record your calls?You'll regret it if you don't.

Cagger since : May 2018

Posts

52

Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

Originally Posted by dx100uk

always push further

would there be a specific template i should send back?

also some of my debts got back over 3 or 4 years where i complained to get the interest and charges back and they declined but i didnt take it further so i dont know if i should complain to them again using templates from this site?

Re: Irresponsible Lending Claim due to 7 PDL company loans over gambling

No

YES

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